Quick comparison: best identity theft protection services
| Service / plan | Price on vendor page | Coverage listed | Guarantee |
|---|---|---|---|
| Aura Individual | $12/mo annual; $15/mo monthly | $1M insurance, 1 adult, 10 devices | 60 days on annual plans; 14-day trial |
| Aura Family | $32/mo annual; $50/mo monthly | $5M insurance, 5 adults, unlimited kids | 60 days on annual plans |
| LifeLock Core (individual) | $124.99/yr; $12.49/mo monthly | Up to $1.05M | 60 days on eligible annual plans |
| LifeLock Advanced (individual) | $199.99/yr; $19.99/mo monthly | Up to $1.2M; $5K scam reimbursement | 60 days on eligible annual plans |
| Identity Guard Value (individual) | $90 first year, renews $107.88; $8.99/mo monthly | $1M | 60 days on annual plans |
| Identity Guard Ultra (individual) | $300 first year, renews $359.88 | Up to $5M appears on page (layout unclear) | 60 days on annual plans |
Aura: broadest bundle in one subscription
Aura lists Individual (1 adult, 10 devices) at $12 a month billed annually or $15 monthly with $1M insurance, Couple at $22 and $29 with $2M, Family (5 adults, unlimited kids and devices) at $32 and $50 with $5M, and a Kids plan at $10 and $13 with no insurance listed. Annual billing is said to save 50% to 60%.
Individual, Couple and Family include 3-bureau credit monitoring, instant credit lock, antivirus, VPN, a password manager, data removal from 425+ broker sites and U.S.-based fraud remediation. All plans have a 14-day free trial, redeemable once per customer, and a 60-day money-back guarantee on annual plans bought through Aura or customer support.
- VPN, antivirus and password manager included
- Family plan covers 5 adults and unlimited kids
- Data removal from 425+ sites
- Full access depends on identity verification and credit eligibility
- Kids plan lists no insurance
- Refund applies to annual plans bought direct
LifeLock: clearest published renewal prices
LifeLock (Norton) lists Core, Advanced and Total for individuals at $124.99, $199.99 and $349.99 a year, with coverage up to $1.05M, $1.2M and $3M. Pay-today and renewal amounts are the same on the page, and the monthly options are $12.49, $19.99 and $34.99. Advanced adds $5K scam reimbursement and Total $10K.
The page also lists a 100% Restoration Guarantee (restrictions apply and auto-renewal is required), a 60-day money-back guarantee on eligible annual plans, and notes insurance benefits are provided by third parties.
- Pay-today equals renewal on the page
- Higher coverage tiers up to $3M
- Household plans for 2 adults and kids
- Core lists no scam reimbursement
- Promotional discounts apply only during the promotional period
- Restoration guarantee has restrictions
Identity Guard: lowest first-year entry price
Identity Guard lists Value, Total and Ultra. Individual pricing billed annually is $7.50 a month for Value ($90 first year, renewing at $107.88), $16.67 for Total ($200.04, renewing at $239.88) and $25.00 for Ultra ($300, renewing at $359.88). Family prices are $12.50, $25.00 and $33.33 a month. Monthly billing is $8.99, $19.99 and $29.99 for individuals, and 50% promotional rates are also shown.
Identity theft insurance is $1M for Value and Total; an “Up to $5M” figure appears elsewhere on the page and seems to refer to Ultra, but the layout is not fully clear. Annual plans carry a 60-day money-back guarantee through the website or customer support.
- Lowest entry price among the three
- Renewal prices shown
- Family tiers available
- Ultra insurance amount is unclear on the page
- Renewal is higher than the first year
- Promotional rates may change
Verdict: best identity theft protection services in 2026
Our short verdict on the best identity theft protection services: decide using the price, limits and data gaps shown above, not the headline discount.
If you are still comparing the best identity theft protection services, use the free plans, trials or refund windows as your real test.
If you want one bundle that also includes a VPN and password manager, Aura is the all-in-one option on published features. If you value seeing renewal prices upfront and want higher coverage tiers, LifeLock is straightforward. If the lowest entry price matters most, Identity Guard Value is cheapest in year one.
Do you need to pay at all? You can freeze your credit at the bureaus for free, so compare what monitoring and insurance add. Insurance is provided by third parties and has conditions, so read the policy terms.
Related guides for the best identity theft protection services: best antivirus software for Windows 11 · best password manager for families.
Sources (vendor pages read October 2026): Aura plans · LifeLock plans · Identity Guard plans
Identity theft protection FAQs
What is the best identity theft protection service?
It depends on what you want bundled. Aura includes VPN and antivirus, LifeLock publishes renewals clearly and Identity Guard has the lowest entry price.
How much does Aura cost?
Individual is $12 a month billed annually or $15 monthly; Couple $22 or $29; Family $32 or $50, per Aura’s plans page.
How much does LifeLock cost?
Core is $124.99 a year, Advanced $199.99 and Total $349.99 for individuals, per LifeLock’s page.
How much does Identity Guard cost?
Value is $7.50 a month billed annually for an individual ($90 first year, renews at $107.88).
Do they offer refunds?
Each advertises a 60-day money-back guarantee on eligible annual plans, with conditions on where it was bought.
Is identity theft insurance real coverage?
The vendors say insurance is provided by third parties and varies by plan; read the policy terms and exclusions.
Can these prevent identity theft?
No. LifeLock’s page states no service can prevent all identity theft or cybercrime.
Do I need a paid service?
Free credit freezes are available from the bureaus; paid services add monitoring, alerts and recovery support.
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